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破產並不意味完全無需還款。破產期間，破產人每月收入中，須留出部分，用於還款。Over the IVA, your creditors must stop charging curiosity or chasing you for the debts. Any dollars which you owe once the agreed time period are going to be prepared off.If you choose to get an IVA, you may work out a repayment system